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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $120,395 | $76,834+56.7% | $108,359+11.1% | $87,485+37.6% |
| Participation rate | 70.0% | 61.7%+8.3pp | 70.1%-0.1pp | 68.9%+1.1pp |
| Annual return | 11.79% | 19.09%-7.3pp | 36.89%-25.1pp | 26.06%-14.3pp |
| Employer contribution / active EE | $1,925 | $1,556+23.7% | $2,399-19.8% | $2,596-25.9% |
| Participant deferral / active EE | $6,934 | $3,100+123.7% | $4,137+67.6% | $4,274+62.3% |
| Admin fee / account holder | $22,845 | $6,537+249.5% | $9,741+134.5% | $7,775+193.8% |